Serious question:
When your entire league is engaged in an arms race and losing money every week, how do you win games while avoiding losing money?
If I put myself in your shoes, I'd look at it like so:
(A) Can I make a profit every week while not demoting, and at the same time making mild improvements to my team?
(B) If the answer to (A) is no, then could I demote and chance repromoting back into a less ridiculous III series?
Surely there's a smidgen of exaggeration on your part, as the ENTIRE league can't possibly be losing money every week. If it's true, then you're all retards, but I don't think it's true. I think you mentioned that the average profit per week is negative, which is much more believable.
Anyway, if it were me, I'd probably bide my time scraping a profit every week. This is a flippin' management game, and if you're losing money on a regular basis, you aren't managing anything very well. Additionally, there may be some places you could save money or make more that you haven't fully explored. Knowing nothing whatsoever about your team, this is difficult to say, but here's a few examples:
-- Are you paying too much for certain salary-intensive skills while ignoring other, free skills? For example, a PF with lots of IS but no DR, JS or PA to speak of?
-- Could you stand to carry a few less players on your roster? Downgrade a staff member here or there? Invest less in the draft?
-- What is your arena doing for you? (I can actually see this part, and PM me if you'd like help here, because I think you could use a bit of a tweak in this department.)
-- Along the same lines, are you putting more focus on winning the away game before the home game to get the arena income (rather than trying to win the home game)? How much attention are you paying to the aspects of the Fan Survey that direct effect attendance (rival games, TV games, etc.)?
That all said, if you don't honestly think you can take the title, is there much point in spending that kind of money if it could be put to use at a later date when you actually can contend for a trophy?